La propriétaire ne répond pas aux appels de l'ingénieur depuis le début de la semaine. Mais bon cela n'a pas commencé ici. Depuis ma dernière entrée il s'est passé pas mal de chose, suffisement pour vous faire un petit texte. Le Brésil, si je ne l'ai pas encore dit, est un des pays qui a le plus haut taux d'intérêt sur emprunt. Ça peux aller jusqu'à 13.5% annuel, ce qui est impressionnant pour un européen maintenant. On dirait du crime organisé mais non, c'est tout à fait normal. Le taux nominal, gouvernemental, est de 8% et les banques font leur marge à partir de cela. Personne ne négocie les taux (va savoir pourquoi, je n'entends quasiment jamais parler de négociations... un truc presque sidérant). Donc les taux sont haut, mais par contre il n'y a pas de taux résiduel en cas d'anticipation de remboursement du capital restant. Donc je peux venir le lendemain de mon contrat d'emprunt avec tout l'argent et je ne paierais que le mois en cours de taux d'intéret. Il y a donc une certaine balance mais l'un dans l'autre en Europe c'est quand même plus intéressant, moi je dis du coup vive la concurrence!! Donc j'ai auditionné 2 banques, HSBC m'a dit que je ne pouvais emprunter chez eux que la moitié de la valeur de l'appartement avec un taux annuel de 10.5%, et Santander est en train de vérifier si je peux emprunter 80% de la valeur de l'appartement avec un taux de 9%... ce qui est conséquent non?? Dans tout ça le propriétaire attend gentillement que tout cela se débloque. Parce que dans le même temps si je suis en "phase 2" chez HSBC et en "phase 1" chez Santander, je n'ai signé de contrat avec personne pour l'instant. La propriétaire qui fait des réparations dans son nouvel appartement parlait de quitter les lieux fin mai, et nous nous fustigions de voir que cela allait prendre tellement de temps mais au final ça risque de coincider. Bref, on attends que l'actuel propriétaire de l'appartement réponde au téléphone pour que l'ingénieur civil puisse faire l'inspection de l'appartement.
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The owner does not respond to the calls of the engineer since the beginning of the week. Anyway it did not start here, since my last entry there has been a lot of things happening enough to make you a little post. Brazil, if I did not say, is a country with the highest interest rates on mortages. It can go up to 13.5% annually, which is impressive for a European nowadays. It seems like organized crime, but in fact it's quite normal. The nominal rate of government is 8%, and banks make their margin from that. Nobody negotiates rates (who knows why, I almost never hear about negotiations ... something almost staggering). So interest rates are high, but on the other hand residual rate in case of advance repayment of principal remaining does not exist. So I can come the day after my loan agreement with all the money and I would only pay the current month rate of interest. There is a certain advantage, but Europe is still more interesting, I say hail to the competition! So I audited 2 banks, HSBC told me that I could ask only for half of the value of the apartment with an annual rate of 10.5% and Santander is still checking if I can borrow 80 % of the value of the apartment with a rate of 9% but it looks encoureaging... Meanwhile the owner kindly wait for this whole process to solve itself out. Because at the same time if I am "phase 2" HSBC and "Phase 1" in Santander, I haven’t signed a contract with anyone yet. The owner, doing maintenance on her new apartment, mentionned that she would leave in late May, and we looked revolted for such a long lap of time back there in February, but in the end it may coincide. In short, we wait for the current owner of the apartment to answer the phone for the civil engineer to inspect the apartment.
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The owner does not respond to the calls of the engineer since the beginning of the week. Anyway it did not start here, since my last entry there has been a lot of things happening enough to make you a little post. Brazil, if I did not say, is a country with the highest interest rates on mortages. It can go up to 13.5% annually, which is impressive for a European nowadays. It seems like organized crime, but in fact it's quite normal. The nominal rate of government is 8%, and banks make their margin from that. Nobody negotiates rates (who knows why, I almost never hear about negotiations ... something almost staggering). So interest rates are high, but on the other hand residual rate in case of advance repayment of principal remaining does not exist. So I can come the day after my loan agreement with all the money and I would only pay the current month rate of interest. There is a certain advantage, but Europe is still more interesting, I say hail to the competition! So I audited 2 banks, HSBC told me that I could ask only for half of the value of the apartment with an annual rate of 10.5% and Santander is still checking if I can borrow 80 % of the value of the apartment with a rate of 9% but it looks encoureaging... Meanwhile the owner kindly wait for this whole process to solve itself out. Because at the same time if I am "phase 2" HSBC and "Phase 1" in Santander, I haven’t signed a contract with anyone yet. The owner, doing maintenance on her new apartment, mentionned that she would leave in late May, and we looked revolted for such a long lap of time back there in February, but in the end it may coincide. In short, we wait for the current owner of the apartment to answer the phone for the civil engineer to inspect the apartment.
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